Fannie and Freddie haven't put past behind them 

Government-sponsored mortgage repurchasers Fannie Mae and Freddie Mac are making progress correcting problems that led to accounting and management scandals, but remain "a significant supervisory concern," regulators said in their annual report to Congress.

Fannie's and Freddie's continued efforts to fix internal control and systems problems are hindering their ability to respond to changes in the market, including the demand for new

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